MMI Holdings has built an operating model and structure that supports its strategic focus on client centricity. The operating model and structure underpins MMI’s defined purpose to enhance the lifetime financial wellness of people, their communities and their businesses. The model and structure organises MMI Holdings’ activities around clients. It separates MMI group activities into: segment businesses; a products and solutions business; client engagement solutions and group-wide functions. Segment Businesses Client Engagement Solutions Product and Solutions Business Metropolitan Retail Multiply Rewards Investments and Savings solutions Momentum Retail Financial Wellness Life Insurance solutions International Data Analytics Health solutions Corporate and Public Sector Legacy solutions Short-term Insurance solutions Group-wide functions Group Finance Group Balance Sheet Risk Management Brand and Strategic HR and Infrastructure & Management Corporate Affairs Transformation Operations (BSM) The segment businesses are made up of Metropolitan Retail, Momentum Retail, Corporate and Public Sector, and International. The Client Engagement Solutions area optimises client engagement capabilities and ensures an appropriate focus on this critical part of MMI’s strategy. The Products and Solutions business focuses on designing and developing solutions to fulfil the needs of clients identified by the segment businesses. Group-wide functions include Group Finance, Brand and Corporate Affairs, Strategic Human Resources and Transformation, Risk Management and Group Infrastructure and Operations. 15